How Disability Income Insurance Policies Define Disability
Sickness is usually defined in disability policies as illness or disease that manifests itself while the policy is in force
. This definition covers mental as well as physical illness, but most policies limit payments for mental illness and drug- or alcohol-related disabilities to two years of benefits. Some policies have exclusions for disabilities caused by pregnancy, war, and self-inflicted injuries as well as other exclusions. All of the exclusions will be detailed in the policy.
How Disability Income Insurance Policies Define Disability